What is Uninsured or Underinsured Motorist Coverage, and Why Do I Need It?

Uninsured motorist coverage specifically helps if a driver who doesn’t have insurance causes an accident and leaves you with injuries.

Similarly, underinsured motorist coverage helps protect you from expenses due to a crash caused by a driver who doesn’t have enough insurance to cover the cost of injuries you suffer.

But why do you need it? One in seven drivers is uninsured or underinsured, according to the Insurance Research Institute. If one of those drivers were to cause an accident, and you were hurt, you could be left with a high bill. You may also lose time at work, which depending on your situation could also mean lost wages.
That’s a big ouch not only for you, but for your wallet – all because of something someone else caused.

That's why it’s important to know if you have uninsured or underinsured motorist coverage and what the limits are on your policy. Even though your injuries aren't your fault, your insurance can help make you whole again with the help of uninsured/underinsured motorist coverage.

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